# BeaverCheck Audit Report — https://www.plaid.com **Date:** April 7, 2026 **URL:** https://www.plaid.com **Overall Grade:** C (74/100) **Report:** https://beavercheck.com/results/36c457e3-81b5-f273-9060-1efe5c16ae65 ## Top Findings 1. **[CRITICAL]** Content-Security-Policy header is missing — Security > Security Headers 2. **[CRITICAL]** HSTS header is missing — Security > Security Headers 3. **[CRITICAL]** No Content-Security-Policy header found — Security > Content Security Policy 4. **[CRITICAL]** 1 control(s) without accessible label — Accessibility > Form Accessibility 5. **[WARNING]** Cross-Origin-Embedder-Policy header is missing — Security > Security Headers --- ## Lighthouse Scores | Category | Score | |----------|-------| | Performance | 38 | | Accessibility | 100 | | Best Practices | 96 | | SEO | 100 | --- ## Security ### Security Headers (F — 10/100) *2 of 10 headers properly configured* - **[CRITICAL]** HSTS header is missing — Strict-Transport-Security forces browsers to use HTTPS, preventing downgrade attacks. Add the header with a max-age of at least 1 year. - **[WARNING]** X-Content-Type-Options header is missing — This header prevents MIME-type sniffing, which can lead to XSS attacks. Set it to 'nosniff'. - **[WARNING]** X-Frame-Options header is missing — This header prevents clickjacking by controlling who can embed your page in a frame. Set it to DENY or SAMEORIGIN. - **[WARNING]** Referrer-Policy header is missing — Controls how much referrer information is sent with requests. Set to 'strict-origin-when-cross-origin' or stricter. - **[WARNING]** Permissions-Policy header is missing — Controls which browser features (camera, microphone, geolocation) are allowed. Set it to restrict unused features. - **[CRITICAL]** Content-Security-Policy header is missing — CSP is the most important header for preventing XSS attacks. See the CSP section for detailed analysis. - **[WARNING]** Cross-Origin-Opener-Policy header is missing — COOP isolates your browsing context, preventing cross-origin side-channel attacks. Set to 'same-origin'. - **[WARNING]** Cross-Origin-Embedder-Policy header is missing — COEP prevents loading cross-origin resources without explicit permission. Required for SharedArrayBuffer and high-resolution timers. - **[PASS]** X-Powered-By header is not present - **[PASS]** Server header is present without version info ### Content Security Policy (F — 0/100) *No enforcing CSP policy found* - **[CRITICAL]** No Content-Security-Policy header found — CSP is the most effective defense against XSS attacks. Add a Content-Security-Policy header to restrict resource loading. ### TLS & Certificates (A+ — 100/100) *TLS 1.3, 7 checks passed* - **[PASS]** TLS 1.3 is used - **[PASS]** Strong cipher suite is used - **[INFO]** HTTP/2 is not negotiated — HTTP/2 provides multiplexing and header compression for better performance. - **[PASS]** Certificate is valid (expires in 189 days) - **[PASS]** Certificate chain has 3 certificates - **[PASS]** Certificate uses modern signature algorithm - **[PASS]** Certificate covers 2 domain(s) - **[PASS]** Certificate is issued by a trusted CA ### Cookie Security (A+ — 100/100) *No cookies set — no cookie security risks* - **[PASS]** No cookies set — no cookie security risks --- ## Advanced Security ### Subresource Integrity (F — 20/100) *0 of 4 external resources have SRI* - **[WARNING]** External script from cdn.cookielaw.org lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from dev.visualwebsiteoptimizer.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from go.plaid.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from go.plaid.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. ### JS Library Vulnerabilities (A+ — 100/100) *No known vulnerabilities* - **[PASS]** No known JavaScript library vulnerabilities detected ### Information Leakage (A+ — 100/100) *No exposures* - **[INFO]** No security.txt found — Consider adding a security.txt at /.well-known/security.txt. - **[PASS]** No sensitive files exposed ### Email Security (F — 30/100) *No DMARC* - **[WARNING]** No DMARC record found — Without DMARC, email receivers have no policy for handling authentication failures. ### Permissions-Policy (D — 40/100) *No header set* - **[WARNING]** No Permissions-Policy header — Consider adding a Permissions-Policy header to restrict browser feature access from embedded content. ### CORS Configuration (B — 80/100) *No CORS headers* - **[PASS]** No CORS headers present — secure default --- ## Performance ### Page Weight Budget (F — 35/100) *2.7 MB transferred, 71 requests* - **[WARNING]** Page weighs 9.2 MB (2.7 MB transferred) - **[WARNING]** JavaScript is 1.6 MB — consider code splitting or lazy loading — Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts. - **[INFO]** Fonts are 546 KB — consider subsetting or using system fonts — Subset fonts to include only used characters, or switch to system font stacks. - **[INFO]** 71 HTTP requests - **[INFO]** Estimated 0.58 g CO2 per page load ### Third-Party Impact (D — 50/100) *100% third-party, 0 ms blocking* - **[WARNING]** Third-party code accounts for 100% of page weight (2.7 MiB of 2.7 MiB) - **[PASS]** Third-party blocking time is low (0 ms) ### Text Compression (A+ — 100/100) *All text resources are compressed* - **[PASS]** All text resources are compressed ### Image Optimization (A+ — 100/100) *13 images, 0 KB saveable* - **[PASS]** All images are well-optimized ### JS Execution Cost (F — 20/100) *5521ms total JS execution* - **[WARNING]** https://plaid.com/_next/static/chunks/framework-57...: 2228ms CPU time - **[WARNING]** https://plaid.com/_next/static/chunks/pages/_app-3...: 1810ms CPU time - **[WARNING]** https://plaid.com/en-eu/: 534ms CPU time - **[WARNING]** https://go.plaid.com/js/forms2/js/forms2.min.js: 393ms CPU time - **[WARNING]** Unattributable: 387ms CPU time - **[WARNING]** Third-party scripts: 5521ms (100% of total) ### Font Loading (A+ — 100/100) *16 fonts (546 KB)* - **[INFO]** 16 font(s) use font-display: swap (FOUT risk but functional) ### JS Bundles (F — 20/100) *31 scripts, 916 KB unused* - **[WARNING]** https://plaid.com/_next/static/chunks/pages/_app-3...: 586 KB unused (61%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://plaid.com/_next/static/chunks/4b358913-307...: 75 KB unused (81%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://plaid.com/_next/static/chunks/53483-43c320...: 63 KB unused (97%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://plaid.com/_next/static/chunks/29622-36035f...: 57 KB unused (43%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://go.plaid.com/js/forms2/js/forms2.min.js: 33 KB unused (50%) — Consider code splitting or tree shaking to reduce unused code. - **[INFO]** Total unused JavaScript: 916 KB ### Resource Caching (A+ — 100/100) *All resources properly cached* - **[PASS]** No caching issues found ### Critical Rendering Path (A+ — 100/100) *No render-blocking resources* - **[PASS]** No render-blocking resources detected ### Resource Hints (A+ — 100/100) *25 hints, 0 missing preconnects* - **[PASS]** Page uses 25 resource hint(s) ### Render-Blocking Resources (A+ — 100/100) *No render-blocking resources detected* - **[PASS]** No render-blocking resources detected in ### Third-Party Resources (A+ — 100/100) *No third-party resources detected* --- ## Content Quality ### Links (F — 50/100) *109 links checked, 99 healthy, 10 broken* - **[CRITICAL]** 99 of 109 links are healthy - **[WARNING]** Broken link: https://images.ctfassets.net — Found in . Returns HTTP 404. - **[WARNING]** Broken link: https://assets.ctfassets.net — Found in . Returns HTTP 404. - **[WARNING]** Broken link: https://videos.ctfassets.net — Found in . Returns HTTP 404. - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/1rWHs8IbFL2pW... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/1rWHs8IbFL2pWSqDnYZe8j/de4a717b7205e95489a2a51c24be2c4c/customer-logo-lockups.png?fm=webp&h=84&q=60": http: no Host in request URL - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/4I0jBcjsdXSqv... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/4I0jBcjsdXSqvAg9ROgY0e/e8d4c291b81691f79a060ef604bd24ad/customer-logo-lockups-1.png?fm=webp&h=84&q=60": http: no Host in request URL - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/1qZVQKWHA53jX... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/1qZVQKWHA53jX22nTOLNi1/7df3dbcdd5f25e63eca00fcdb8803d88/customer-logo-lockups-2.png?fm=webp&h=84&q=60": http: no Host in request URL - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/53Yy9sI0RJNEx... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/53Yy9sI0RJNExgYZBNcI90/bd7610d1fbc1507d167535b87bd4ef86/customer-logo-lockups-3.png?fm=webp&h=84&q=60": http: no Host in request URL - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/1hapQoAXtI2wD... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/1hapQoAXtI2wDP2yLsioMU/f751edd3840d20c3240a7c1254ada4bc/customer-logo-lockups-4.png?fm=webp&h=84&q=60": http: no Host in request URL - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/6wienTRqm0ps5... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/6wienTRqm0ps5StB654ZzV/6b3eac674671d1e1fc4983f4daf754e8/customer-logo-lockups-5.png?fm=webp&h=84&q=60": http: no Host in request URL - **[WARNING]** Broken link: https:////images.ctfassets.net/ss5kfr270og3/2myd2mnyGgTHc... — Found in . Get "https:////images.ctfassets.net/ss5kfr270og3/2myd2mnyGgTHcRPlesvc9N/bd2eb233c13d2cb306fa1766603434d4/customer-logo-lockups-6.png?fm=webp&h=84&q=60": http: no Host in request URL ### Mixed Content (A+ — 100/100) *No mixed content detected — all resources use HTTPS.* - **[PASS]** No mixed content detected — all resources use HTTPS ### Open Graph (A+ — 100/100) *Open Graph tags are well configured for social sharing.* ### Structured Data (A+ — 100/100) *1 JSON-LD block(s) found — structured data is well configured.* --- ## Infrastructure ### DNS Records (A — 90/100) *4 A records, 38 ms lookup* - **[PASS]** Resolves to 4 IPv4 address(es) - **[INFO]** No IPv6 (AAAA) records - **[INFO]** No NS records found - **[INFO]** No MX records — email not configured via DNS - **[INFO]** CAA records not checked — CAA record lookup requires a specialized DNS resolver. This check will be available in a future update. - **[INFO]** No SPF record found in TXT records — SPF helps prevent email spoofing. Add a TXT record starting with 'v=spf1'. - **[PASS]** DNS resolution time: 38 ms ### Redirect Chain (D — 50/100) *2 redirect(s), 1425 ms total* - **[WARNING]** 2 redirects before reaching final URL — Each redirect adds latency. Try to minimize the chain to 1 hop. - **[INFO]** WWW normalization redirect - **[INFO]** Uses 302 (temporary) redirect — If permanent, use 301 instead. - **[WARNING]** Redirect overhead: 1425 ms total ### IPv6 Readiness (C — 60/100) *No IPv6 support* - **[INFO]** No IPv6 (AAAA) records found — IPv6 support is increasingly important for global accessibility. About 40% of internet users have IPv6 connectivity. ### Crawlability (A+ — 100/100) *robots.txt present, sitemap with 1797 URLs* - **[PASS]** robots.txt is present - **[PASS]** sitemap.xml is present - **[PASS]** sitemap.xml is valid XML - **[PASS]** sitemap.xml contains 1797 entries - **[PASS]** robots.txt references sitemap ### URL Variants (A+ — 100/100) *www/non-www, trailing slash, HTTP→HTTPS* - **[PASS]** www/non-www redirect configured correctly (preferred: www) - **[PASS]** HTTP correctly 301-redirects to HTTPS ### Domain Intelligence (A+ — 100/100) *plaid.com — via Gandi SAS, 31 years, 1 months old* - **[PASS]** Domain registered until Aug 15, 2026 (4 months remaining) - **[INFO]** DNSSEC is not enabled — DNSSEC protects against DNS spoofing attacks. While not required, enabling DNSSEC adds an additional layer of security. Contact your DNS provider to enable it. - **[PASS]** Registrar: Gandi SAS --- ## Compliance ### WCAG Compliance (A+ — 100/100) *No testable criteria* ### Cookie Consent & Privacy (A — 85/100) *No consent signals detected* - **[WARNING]** No privacy policy link detected — A privacy policy page is recommended for transparency and may be legally required. - **[PASS]** Terms of service link found - **[INFO]** No cookie consent banner detected - **[INFO]** This is an automated check, not legal advice — BeaverCheck detects technical indicators of consent management. This does not constitute a legal compliance assessment. Consult a privacy professional for GDPR/CCPA compliance. ### Language & i18n (A — 90/100) *Lang attribute present* - **[PASS]** attribute is present - **[PASS]** value is valid - **[INFO]** No Content-Language HTTP header - **[INFO]** Language signals are inconsistent — The attribute and Content-Language header should agree. ### Readability & Typography (A+ — 100/100) *Font sizes and tap targets checked* ### Viewport Configuration (A+ — 100/100) *Viewport properly configured* - **[PASS]** Viewport meta tag is present - **[PASS]** width=device-width is set - **[PASS]** User zooming is allowed ### Third-Party Trackers (C — 55/100) *2 trackers detected* - **[INFO]** 2 third-party trackers detected — Found 2 analytics, 0 advertising, 0 marketing, 0 tag manager trackers. - **[WARNING]** Trackers detected but no cookie policy found — This page loads 2 trackers but no cookie policy was detected. GDPR requires disclosure when using tracking cookies. - **[WARNING]** Trackers detected but no privacy policy found — Most data protection regulations require a privacy policy when collecting user data via trackers. --- ## Legal ### Legal Page Ecosystem (F — 25/100) *1 of 7 expected legal pages detected* - **[WARNING]** Privacy Policy not detected — No link matching common Privacy Policy URL patterns or link text was found. Most websites are expected to have a Privacy Policy, especially those collecting user data. - **[PASS]** Terms of Service detected — Found at /legal/#consumers. - **[INFO]** Cookie Policy not detected — No link matching common Cookie Policy URL patterns or link text was found. Most websites are expected to have a Cookie Policy, especially those collecting user data. - **[INFO]** Accessibility Statement not detected — No link matching common Accessibility Statement URL patterns or link text was found. Most websites are expected to have a Accessibility Statement, especially those collecting user data. - **[INFO]** DMCA / Copyright Notice not detected — No link matching common DMCA / Copyright Notice URL patterns or link text was found. Most websites are expected to have a DMCA / Copyright Notice, especially those collecting user data. - **[INFO]** Refund / Returns Policy not detected — No link matching common Refund / Returns Policy URL patterns or link text was found. Most websites are expected to have a Refund / Returns Policy, especially those collecting user data. - **[INFO]** Acceptable Use Policy not detected — No link matching common Acceptable Use Policy URL patterns or link text was found. Most websites are expected to have a Acceptable Use Policy, especially those collecting user data. ### Copyright Notice (A+ — 100/100) *© 2026 Plaid Inc* - **[PASS]** Copyright notice is up to date — Copyright notice is up to date: © 2026 Plaid Inc - **[PASS]** Copyright holder: Plaid Inc ### Regulatory Indicators *1 regulatory indicator(s) detected* - **[INFO]** This is a technical scan, not a legal assessment — BeaverCheck detects technical indicators that may suggest regulatory relevance. This is not a compliance audit and should not be relied upon for legal decisions. Consult qualified legal counsel for compliance assessments. - **[INFO]** GDPR indicators detected (moderate confidence) — Indicators suggesting GDPR may be relevant: Consent management platform detected: cookielaw.org. EU General Data Protection Regulation — governs collection and processing of personal data of EU residents. ### Third-Party Data Sharing *0 third-party service(s) detected* - **[INFO]** Data inventory for transparency purposes — This inventory identifies third-party services that receive data from your site visitors. Under regulations like GDPR (Article 30), maintaining records of data processing activities is commonly considered a best practice. This automated scan provides a starting point — it may not capture all data flows. - **[INFO]** No recognized third-party data-sharing services detected — This page does not appear to load external tracking, analytics, or advertising scripts. ### Compliance Badges (B — 70/100) *1 compliance badge(s) detected* - **[PASS]** TRUSTe / TrustArc badge detected — Found via body text: 'truste'. Note: the presence of a badge does not verify the certification is current or valid. --- ## Availability ### CDN & Delivery (A — 85/100) *AWS CloudFront (Miss from cloudfront)* - **[PASS]** Site is served via AWS CloudFront CDN (edge: ZRH52-P1) - **[INFO]** CDN cache status: Miss from cloudfront ### HTTP Caching (F — 30/100) *No cache headers* - **[WARNING]** No Cache-Control header found — Browsers will use heuristic caching, which can be unpredictable. Set explicit cache headers. ### Transport Security (B — 75/100) *HTTP/3, HSTS, and TLS version analysis* - **[INFO]** HTTP/3 (QUIC) not advertised — HTTP/3 eliminates head-of-line blocking. If your CDN supports it, consider enabling it. - **[WARNING]** Missing Strict-Transport-Security header — HSTS tells browsers to only use HTTPS, preventing SSL stripping attacks. - **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT) --- ## Accessibility ### Landmark Structure (A — 85/100) *21 landmarks* - **[PASS]**
landmark present - **[PASS]** 2